Deputy Manager, Credit Risk

Cathay United Bank Company, Limited; Hong Kong; On-site; HKD 600,000 - 900,000; Full time

Job summary

Cathay United Bank Company, Limited is seeking an experienced credit risk professional to conduct independent credit assessments for HK/PRC Large Corporate, Mid-Cap and NBFI clients. You will analyze financials, validate applications, and visit sites to support approvals, while ensuring compliance with internal policies and regulatory standards.

The role involves ongoing portfolio monitoring, responding to market shifts, and contributing to risk policy enhancements.

Qualifications

• At least 6 years’ relevant experience in corporate credits for HK/PRC Large Corporate clients, Mid-Cap and NBFI, either within a credit risk function or business line in banking industry
• University graduate with major in Accounting, Finance, Economics, Risk Management or related disciplines
• Strong expertise in risk and financial analysis, cash flow projections, and a wide range of corporate banking products
• Good understanding of HK/PRC market dynamics, industry trends, and regulatory requirements
• Professional qualification such as HKIB ECF-CRM, CFA, or FRM would be an advantage
• Good PC skills in MS Word and Excel
• Good command of written and spoken English and Chinese (including Mandarin and Cantonese)

Responsibilities

• Conduct independent credit assessment, financial analysis, and validation of credit applications for HK/PRC Large Corporate, Mid-Cap and NBFI clients, including performing site visits and making recommendations for approval
• Ensure all credit proposals comply with internal policies, guidelines, and prevailing regulatory requirements
• Contribute to the formulation, review, and enhancement of credit risk policies and procedures to cope with market and regulatory changes
• Conduct ongoing monitoring of portfolio credit quality, early warning signals, large exposures, credit ratings, and risk concentration
• Participate in ad-hoc credit risk management projects, system enhancements, or management reporting assignments as required

Skills

Credit risk analysis

Financial analysis

Cash flow projections

Regulatory knowledge

English and Chinese communication

Education

University degree in Accounting/Finance/Economics

Tools

MS Excel

MS Word

Job description

Conduct independent credit assessment, financial analysis, and validation of credit applications for HK/PRC Large Corporate, Mid-Cap and NBFI clients, including performing site visits and making recommendations for approval

Ensure all credit proposals comply with internal policies, guidelines, and prevailing regulatory requirements

Contribute to the formulation, review, and enhancement of credit risk policies and procedures to cope with market and regulatory changes

Conduct ongoing monitoring of portfolio credit quality, early warning signals, large exposures, credit ratings, and risk concentration

Participate in ad-hoc credit risk management projects, system enhancements, or management reporting assignments as required

Ideal candidates should possess:

• At least 6 years’ relevant experience in corporate credits for HK/PRC Large Corporate clients, Mid-Cap and NBFI, either within a credit risk function or business line in banking industry
• University graduate with major in Accounting, Finance, Economics, Risk Management or related disciplines
• Strong expertise in risk and financial analysis, cash flow projections, and a wide range of corporate banking products
• Good understanding of HK/PRC market dynamics, industry trends, and regulatory requirements
• Professional qualification such as HKIB ECF-CRM, CFA, or FRM would be an advantage
• Good PC skills in MS Word and Excel
• Good command of written and spoken English and Chinese (including Mandarin and Cantonese)

We offer attractive remuneration package and comprehensive fringe benefits.

If applicable, the successful applicant’s offer confirmation is subject to the result of Mandatory Reference Check (MRC) under HKMA’s mandatory requirement. For details, please visit the corresponding website: https://www.hkab.org.hk/en/page/5/mandatory-reference-checking-scheme-phase-2

Personal information collected will be used for considering suitability for the post and strictly in accordance with our personal data policies. It is our policy to retain the personal data of unsuccessful applicants for future recruitment purposes for a period of maximum two years.